Wednesday, December 27, 2017

SSDI and SSI in California

SSDI
Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are two programs offered by the Social Security Administration that are of the utmost importance. You may not yet rely on such a program, or you may never need to (hopefully), but it's important for Americans to have an understanding of SSA benefits. There may come a time when you need to assist a loved one in navigating the process of applying for SSDI, SSI, or both.

If you have read up on the vitality of SSA benefit programs, then you may know that the process of applying for benefits can be complicated. What’s more, the time between applying and enrollment is often lengthy. There are hundreds of thousands of cases and a limited number of administrative judges to hear each case. The number of cases waiting for consideration from an administrative judge increased by more than 300,000 to 1.14 million, between 2010 to 2017, The Orange County Register reports. Simply put, there are not enough resources available to handle the heavy workload.


SSDI and SSI Cases Piling Up


A new report from The OC Register revealed that services and funding for SSA benefit programs are changing throughout the country. The focus of this piece will be California, naturally, but such changes are occurring across America. In the Golden State, 4.4 percent of adults ages 18-64 received Social Security Disability, SSI or both last year. Lake County, CA has the highest percentage of disabled workers, with 10 percent (3,725 people) of the population receiving benefits.

In certain California cities, individuals wait for nearly two years to receive a decision on their application. In Orange, CA, the average wait time is 646 days, which is only slightly better than Los Angeles West 644, and San Diego 592. A lack of administrative judges and SSA staff has contributed to the long wait times, delays in coverage are expected to only increase. Since 2010, California has seen a 13.89 percent drop in Social Security administration staff. If you’d like to get an idea of how we compare to other states, please refer to the map below:

SSI
Source: OC register


SSDI Attorney


Seeking assistance will help you or a loved one chart a course toward SSA benefits, and greater financial security. The longer one goes without the support they need, the more complicated life can become. The Driscoll Law Corporation has helped a number of people whose claims were denied, access the benefits they desperately required. We can help your family, too; please contact us today.

Tuesday, December 5, 2017

SSDI Benefits Calculator

SSDI
If you are considering or are in the process of applying for social security disability insurance (SSDI), it’s likely you’ve have some questions about how much support you can expect. Being injured or becoming ill and no longer being able to work is a severe blow; fortunately, we all have access to benefits from the Social Security Administration (SSA). The agency's various programs are designed to alleviate the burden of no longer being able to work.

After a cursory examination, you have probably gathered that you will not receive benefits comparable to what you made while working. You may have discovered that you might not get anything close to what you were making as part of the workforce. As you can probably imagine, there's a formula in place used by the SSA to determine an individual’s monthly benefit payments. There are several factors considered in calculating how much money beneficiaries will receive, including work income from previous employment and age.

If you are in the process of applying for SSDI benefits, you should know that your monthly payments could be much less than you made while being employed. In some cases, less than half or as much as 90 percent less than before, The Washington Post reports. We are not sharing this information to worry you, but everyone should be informed about what their SSDI payments will look like if approved. You should consider taking a moment to use a calculator that mimics what the SSA uses to do their calculations.


SSDI Calculator


The SSA looks at several factors, including elapsed years, computation years and average indexed monthly income (AIME). Those numbers are plugged into the SSA’s primary insurance amount (PIA) formula, which then delivers the benefit amount. Using the calculator will not give you the exact amount you can count on, just a rough estimate that can help you prepare for the future.

Those who already have an account with the Social Security Administration (SSA) can get a more accurate figure. For those who don’t, you can sign up for an online account profile or use the calculator, here. Please keep in mind that the calculator will make assumptions about certain things based off how people’s careers typically progress and evolve over the years, such specific considerations may not be entirely accurate or representative of one’s personal history.


SSDI Attorney


If your application for SSDI has been denied or you are applying for the first time, please contact the Driscoll Law Corporation. We will help you get through the process to ensure that you get the help you need.